he has one of the most difficult jobs in america. he's taken over a city where you've had many years of under investment and lack of foresight and he is ooh the future of newark. they have a chance to rectify things. he's got a tougher job than i do. in new york city, we do see some green shoots. businesses are doing slightly better. but remember, we still have people losing their homes, we still have people losing their jobs. i'm encouraged for the future. new york is unique and the country is getting better and the president's programs, i think, are helping, but nevertheless, we can't walk away and say, well, all we have to do is sit back and it's going to get better. so, we're trying to focus on helping small businesses by reducing their taxes and giving them loan programs, training people for the jobs that are available, not necessarily the jobs they had, making sure that when the other industries come back, the people that we need will be there. and i think what you're seeing is is we've saved $2 billion or $3 billion over the l